Do you need coverage for uninsured drivers, even if you have comprehensive and collision coverage? The answer is yes. Collision insurance will pay for the repair of your vehicle if you are hit by an uninsured driver, but it won't cover any of your medical expenses and comprehensive insurance won't cover your expenses at all after a collision. Not all states require coverage for uninsured drivers, also known as UM coverage. However, even if Unified Messaging coverage isn't mandatory in your state, you're still at risk if you drive without it.
According to the Insurance Information Institute, nearly 13% of drivers across the country don't have car insurance. In some states, the number of uninsured drivers exceeds 20%. You'll need coverage for uninsured motorists if your state requires it. Since uninsured motorist insurance can be very affordable and your liability insurance alone won't protect you against an uninsured motorist, UM is worth considering for most drivers. Even if you have liability coverage, in addition to collision and comprehensive coverage, you may still need coverage for uninsured drivers if your state requires it.
If your state doesn't, you decide if you want to add UM coverage to your car insurance policy. While Pennsylvania state law requires all drivers to have liability insurance, many motorists don't comply with it. Uninsured or underinsured coverage protects you from damage in an accident caused by an at-fault driver who doesn't have insurance or who has less liability than is necessary to cover the damage. Whether your state requires coverage for uninsured drivers or you're thinking of adding it as an extra to your policy, the best way to find affordable car insurance is to compare prices. If you are the victim of a hit and run accident, you can file a claim against your coverage for uninsured motorists.
However, Pennsylvania allows drivers to be excluded from its no-fault laws if they have a type of coverage known as a full liability policy. Underinsured motorist coverage, which is typically offered along with coverage for uninsured motorists, protects you if you are hit by a driver who doesn't have enough coverage to pay for the damage or injuries you caused. For most of us, this isn't a drop in the bucket and it's the reason why many drivers need or can at least benefit from UM coverage. While Pennsylvania requires a minimum amount of insurance coverage for all drivers, it's generally not enough to cover damage caused by a serious accident. If you, as a pedestrian, are hit by an uninsured driver, this coverage will also help cover your insurance claims. Full coverage plans sometimes include coverage for uninsured drivers and for underinsured motorists, although this isn't always the case.
Uninsured driver coverage protects you in the event that an uninsured driver injures you in a car accident. Compare several quotes from the best auto insurance companies to find affordable coverage that includes UM coverage. States that don't require coverage for uninsured or underinsured drivers may continue to offer the option to purchase it if available.